Home Owners Dream

Owner Occupied Fixed Rates from

1.89% p.a. Fixed

2.24% p.a. Comparison*

  • Borrow up to 80% LVR
  • Optional 100% offset
  • Additional repayments up to $20k p.a. during fixed term
  • Loan splits available
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    Fix your interest rate for 1-5 years

    Be free of home loan uncertainty by fixing your rate for 1 to 5 years.

    Having a fixed rate home loan means your repayments won’t change during the fixed term you choose.

    Our Home Owners Dream Fixed Rate options are feature-packed with flexible repayment frequency options, loan splits at no cost and an optional 100% offset account for you to make the most of your home loan.

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      Home Owners Dream 1 – 5 Year Fixed

      Choose between your preferred fixed term to find rates and specifications.

      Select your preferred fixed term

      1.89%p.a.

      1 Year Fixed Rate

      2.24%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate1.89% p.a. Fixed
      2.24%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$50,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      ≤ 95% LVR $750,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRMax 90% including LMI for refinances - add 0.10% to rate
      Max 95% plus LMI for purchases, capped at 95% - Add 0.40% to rate
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionNo
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt cost
      Estimate $250
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      1.89%p.a.

      2 Years Fixed Rate

      2.22%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate1.89% p.a. Fixed
      2.22%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$50,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      ≤ 95% LVR $750,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRMax 90% including LMI for refinances - add 0.10% to rate
      Max 95% plus LMI for purchases, capped at 95% - Add 0.40% to rate
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionNo
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt cost
      Estimate $250
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      2.19%p.a.

      3 Years Fixed Rate

      2.26%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate2.19% p.a. Fixed
      2.26%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$50,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      ≤ 95% LVR $750,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRMax 90% including LMI for refinances - Add 0.10% to rate
      Max 95% plus LMI for purchases, capped at 95% - Add 0.40% to rate
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionNo
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt cost
      Estimate $250
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      2.79%p.a.

      4 Years Fixed Rate

      2.43%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate2.79% p.a. Fixed
      2.43%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$50,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      ≤ 95% LVR $750,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRMax 90% including LMI for refinances - Add 0.10% to rate
      Max 95% plus LMI for purchases, capped at 95% - Add 0.40% to rate
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionNo
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt cost
      Estimate $250
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0

      2.99%p.a.

      5 Years Fixed Rate

      2.54%*p.a.

      Comparison Rate

      Loan Specifications

      THE BASICS
      Rate2.99% p.a. Fixed
      2.54%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$50,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      ≤ 95% LVR $750,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRMax 90% including LMI for refinances - Add 0.10% to rate
      Max 95% plus LMI for purchases, capped at 95% - Add 0.40% to rate
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsFixed
      Reverts to variable after fixed period
      Available for ConstructionNo
      FEATURES
      Multiple Accounts100% offset account available
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsExtra repayments may be made at any time without penalty
      Maximum $20,000 per year during fixed period
      FEES
      Application Fee$440
      Establishment Fee$0
      Third Party Valuation FeeAt cost
      Estimate $250
      Third Party Legal FeesAt cost
      Unascertainable estimate $50 - $330
      Does not cover government charges, funder's contract processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0
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